| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAG CUSTOM BENEFITS | 20815 N CAVE CREEK RD PHOENIX, AZ 85024 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | — | $71K | 8.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA | 14614 N KIERLAND BLVD SUITE 150 SCOTTSDALE, AZ 85254 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | — | $53K | 5.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $236 | — | $236 | 0.03% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF ARIZONA | 1760 E RIVER RD STE 300 TUCSON, AZ 85718 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| EBACON CUSTOM SOLUTIONS3 | 20815 N CAVE CREEK RD PHOENIX, AZ 85024 | DELTA DENTAL OF ARIZONA | $31K | — | $31K | 6.67% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ARIZON | 4544 E CAMP LOWELL DR SUITE 100 TUSCON, AZ 85712 | DELTA DENTAL OF ARIZONA | $9K | — | $9K | 1.88% |
| EBACON CUSTOM SOLUTIONS3 | 20815 N CAVE CREEK RD PHOENIX, AZ 85024 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | — | $3K | 6.72% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA, LLC DBA | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 5.70% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA, LLC DBA | 14614 N KIERLAND BLVD SUITE 150 SCOTTSDALE, AZ 85254 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 | Claims processing Service code 12 | — | $753K |
| ASSURED PARTNERS OF ARIZONA | Other commissions Service code 55 | — | $0 |
| TAG INSURANCE SERVICES | Other commissions Service code 55 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,078 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 1,119 | $885K |
| Dental | DELTA DENTAL OF ARIZONA | 1,445 | $460K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,192 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,119 | $885K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,119 | $885K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,119 | $885K |
| Stop-loss / reinsurancereinsurance | VOYA - STEALTH PARTNERS | 753 | $1.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,790 | $934K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,790 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.